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Explore our full range of chit fund savings plans — crafted for every income level and financial goal.

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What We Offer

Transparent Chit Fund Plans for Everyone

At TIRAL Chit's Private Limited, we offer a variety of government-regulated chit fund plans tailored to suit different savings capacities. From ₹500 monthly starters to ₹10,000 premium schemes, our plans are designed to help you grow your wealth systematically.

Every plan operates with full transparency — open auctions, regular receipts, and complete documentation following Tamil Nadu Chit Fund regulations.

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Chit fund savings plans
Chit Fund Plans

Choose Your Savings Plan

All plans include open auction, monthly payouts, zero hidden charges, and full legal compliance.

🌱
Starter Plan
₹500 / month
✔ 20 Members in Group
✔ 20 Months Duration
✔ ₹10,000 Monthly Chit Pool
✔ Open Monthly Auction
✔ Full Savings at Maturity
✔ Legal Agreement Provided
Enroll Now
🥈
Silver Plan
₹1,000 / month
✔ 20 Members in Group
✔ 20 Months Duration
✔ ₹20,000 Monthly Chit Pool
✔ Open Monthly Auction
✔ Full Savings at Maturity
✔ Digital Payment Option
Enroll Now
🏆 Most Popular
⭐
Growth Plan
₹2,000 / month
✔ 25 Members in Group
✔ 25 Months Duration
✔ ₹50,000 Monthly Chit Pool
✔ Open Monthly Auction
✔ Priority Customer Support
✔ Monthly Status Updates
Enroll Now
💎
Premium Plan
₹5,000 / month
✔ 30 Members in Group
✔ 30 Months Duration
✔ ₹1,50,000 Monthly Chit Pool
✔ Open Monthly Auction
✔ Dedicated Account Manager
✔ Home Visit Available
Enroll Now
👑 Elite
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Elite Business Plan
₹10,000 / month
✔ 30 Members in Group
✔ 30 Months Duration
✔ ₹3,00,000 Monthly Chit Pool
✔ Open Monthly Auction
✔ VIP Customer Service
✔ Dedicated Manager + Legal Support
Contact Us for Enrollment
Who Can Join

Eligibility Requirements

🪪Valid Aadhaar Card
📸Recent Passport Photo
🏠Proof of Address
📞Valid Mobile Number
🏦Active Bank Account
🔞Age 18 Years or Above
Process

How Chit Funds Work

A time-tested, transparent, and legally regulated savings mechanism.

01

Group Formation

A chit group is formed with a fixed number of members (e.g., 20 or 30). Each member agrees to contribute a fixed monthly amount for the duration of the chit.

02

Monthly Pooling

Every month, all members pay their contribution. This forms the "Prize Amount" — the monthly chit pool available for the auction.

03

Open Auction

Members bid voluntarily for the prize. The one who bids the lowest (i.e., needs the money most urgently) wins. The discount is shared among all members as a dividend.

04

Payout & Maturity

The winner receives the prize amount. Those who do not bid receive their full contribution at the end of the chit term — your savings are always intact.

FAQ

Frequently Asked Questions

What is a chit fund? +

A chit fund is a traditional savings scheme where a group of people contribute a fixed amount monthly. Each month, one member gets the pooled amount through an auction. It's a way to save and borrow at the same time.

Is TIRAL Chit's a legally registered company? +

Yes! TIRAL Chit's Private Limited is registered under the Ministry of Corporate Affairs with CIN: U64990TZ2025PTC036837 and complies fully with the Chit Funds Act, 1982.

What happens if I miss a monthly payment? +

We encourage timely payments for the group's benefit. Our team will reach out if you miss a payment. A small late fee may be applicable as per your chit agreement terms.

Can I win the auction in the first month? +

Yes! Any member can bid in the auction from the very first month. The member who bids the lowest discount gets the prize amount that month.

What if I don't want to bid in any month? +

That's perfectly fine. If you do not bid in any month, you will receive your full total contribution at the end of the chit term as your maturity amount.

How do I join a plan? +

Visit our office at 275/2, VPN Complex, Kangeyam Road, Nachipalayam, Tiruppur or call us at 9655 57 36 00 / 9655 57 38 00. Complete KYC and sign the agreement to get started.

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